1. If the credit card transaction amount exceeds the set limit, the cardholder can modify or close the limit by logging in to online banking or mobile phone client to ensure the safety of credit card funds. After swiping the card, you can also modify the limit again.

2. If the bank reduces the credit card limit without telling the cardholder, the cardholder needs to call the bank to ask the reason and try to apply for restoring the credit card limit.

3. In some cases, credit card transactions may be risky, triggering the bank's risk control system, leading to transaction failure. In consumption abroad, some banks may require telephone registration in advance to ensure the safety of credit card funds.

4. If the transaction equipment fails, such as network delay or equipment problems, the cardholder can swipe the card again later, and usually the problem will be solved.

Can I use my credit card over the limit?

You should also be careful when using the excess, because exceeding the limit set by the credit card will lead to high overdue interest and fines. Cardholders should use credit cards reasonably according to their repayment ability and consumption demand, and avoid exceeding the set limit. If you need to temporarily exceed the limit, you can contact the bank to negotiate and apply for a temporary increase in the credit card limit. In addition, cardholders should keep a good credit record to improve the chances of using the over-limit amount.